Freddie Mac

New DU updates put occupancy questions in front of lenders before closing, while Freddie reports lower defect rates on loans using automated tools

The rollout gives brokers and correspondent lenders another major outlet for VantageScore 4.0

With an announcement reportedly possible, the fight over two-bureau versus tri-merge credit reports is putting cost, borrower outcomes, and lender choice in the spotlight

Fannie and Freddie are giving some lenders more time to adopt UAD 3.6, meaning mortgage brokers may need to navigate different appraisal requirements across wholesale partners

The wholesale lender removes an adjustment for new locks while Fannie and Freddie align pricing between VantageScore 4.0 and Classic FICO

CHLA sees new Fannie and Freddie score disclosures as a first step toward more competition, while lenders are already finding different borrower outcomes under today's models